EPC QR Code Generator (SEPA Girocode)

x402

EPC QR Code Generator (SEPA Girocode) is a paid API for AI agents from 402utils.com, paid per call via x402, $0.002/call, status unknown (last checked 2026-09-14).

Generates an EPC/Girocode QR code (SEPA Credit Transfer, EPC069-12) as PNG, SVG, or raw text, for pre-filling bank transfers via a banking app scan.

Price / call$0.002

Seller volume →—

Success—

StatusUnknown

How this service works

Generate an EPC QR code (SEPA Credit Transfer / « Girocode », EPC069-12) — the QR a banking app scans to pre-fill a transfer, the payment companion to an invoice. Body { name, iban, amount?, bic?, purpose?, remittance? | reference? (RF) }. Returns PNG (default), SVG, or the raw EPC text. IBAN + RF are validated; strict EPC encoding (order, lengths, ≤331 bytes, level M). EUR only. Not a payment initiation — just the encoded data.

Output

Returns a PNG image (default), SVG, or plain text containing the raw EPC payload, representing a standards-compliant SEPA Credit Transfer QR code that banking apps can scan to pre-fill a transfer. IBAN and RF reference are validated; payload is guaranteed ≤331 bytes and properly encoded per EPC069-12.

Example use cases

Example prompt

“Generate a SEPA Girocode QR in PNG format for my invoice to Acme GmbH — their IBAN is DE89370400440532013000, BIC COBADEFFXXX, amount €1,250.00, and add the remittance text 'Invoice INV-2024-042'.”

Technical details

Endpoint

POSThttps://402utils.com/v1/epc-qr

When to prefer

Use this endpoint when you need to embed a scannable SEPA payment QR code in an invoice, PDF, or payment page for European bank transfers. Prefer this over generic QR code generators because it enforces strict EPC069-12 compliance including field ordering, byte limits, IBAN validation, and RF reference validation. Not a payment initiation — purely encodes data for the banking app to consume.

Side effects

Invalid IBAN (mod-97 check fails) → 400 error with validation message
Invalid RF creditor reference → 400 error
Both remittance and reference supplied simultaneously → 400 error (mutually exclusive)
Amount outside 0.01–999999999.99 range → 400 error
Beneficiary name exceeds 70 characters → 400 error
BIC missing when version 001 requested → 400 error
Payload exceeds 331 bytes (too many fields too long) → 400 error
Currency other than EUR → 400 error

Input

Schema · Request body

Field	Type	Description
bg	string	Background hex colour (default #ffffff).
fg	string	Foreground hex colour (default #000000).
bic	string	Beneficiary BIC. Required for version 001, optional for 002.
iban	string	Beneficiary IBAN (validated mod-97).
name	string	Beneficiary name (≤ 70 chars).
size	integer	Output size in px for png/svg (default 512).
amount	number	Amount in EUR (0.01–999999999.99). Optional (open amount).
format	string	png (default), svg, or text (the raw EPC payload).
purpose	string	SEPA purpose code (≤ 4 chars).
version	string	EPC version. 001 requires a BIC.
currency	string	EUR only (EPC constraint).
reference	string	Structured remittance = ISO 11649 RF creditor reference (≤ 35).
remittance	string	Unstructured remittance (≤ 140). Mutually exclusive with reference.

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